Terms of Service & Intellectual Property Notice

This page sets the terms for using IM65.com and everything on it, and it doubles as the site's intellectual property and DMCA notice. Using any part of the platform counts as agreeing to it.

The longest sections deal with ownership. The quoting engine, carrier underwriting rule sets, interview logic, plan comparison data, agent tools, pitch assist content, articles, design and database schemas are stated as IM65, LLC property. Users get a limited, revocable licence to use the platform for their own insurance business, with copying, reverse engineering, bulk scraping of rate tables, credential sharing, bot access and building competing products all excluded. Quote outputs are watermarked with the producing agent's NPN and a timestamp, in the display and in the stored record.

Shorter sections cover prohibited conduct, account security, termination, disclaimer of warranties, limitation of liability, Florida governing law, and how the terms may change.

The DMCA section is the most actionable part. It lists the six items a takedown notice must contain, names the designated agent's email and the subject line to use, and notes that counter-notifications go to the same address.

What it will not do: it does not warrant that the platform is uninterrupted, error-free or accurate, and it says plainly that rates and eligibility results shown by the platform are illustrations subject to carrier underwriting — not a bound offer.

Read the privacy policy alongside it, and use the contact page for anything the terms leave unclear.